Short-Term Loans
A fixed lump sum in 24–48 hours when an opportunity or gap won't wait.
Learn moreMerchant Cash Advance.
An advance against your future credit and debit card sales — repayment flexes with your revenue, so a small fixed percentage of daily sales means slow days cost less.
What It Is
Repayment That Flexes.
A merchant cash advance (MCA) gives you a lump sum today in exchange for a small, fixed percentage of your future card sales. Instead of a rigid monthly payment, you remit a slice of each day's revenue — so on slow days you pay less, and on busy days you pay more. It's the fastest funding we offer.
Because approval is based on your card-sales volume rather than your credit file alone, an MCA is accessible to businesses that may not qualify elsewhere. Restaurants, retail, salons, and auto shops with strong daily card volume are a natural fit.
Best For
- Restaurants & cafes with steady card sales
- Retail shops with daily transactions
- Salons & spas wanting flexible payback
- Auto shops with strong card volume
The Process
How Merchant Cash Advance Works.
01
Apply
Share a few months of card-processing and bank statements — that's the core of the file.
02
Get Your Advance
Approve on sales volume and receive a lump sum, often the same day.
03
Repay as You Sell
A small fixed percentage of daily card sales is remitted automatically until the advance is repaid.
Rates & Terms
Advance amount $5,000 – $500,000
Factor rate from 1.15x
Holdback 8 – 20% of daily card sales
Estimated term 3 – 12 months
Funding speed Same day
Fixed monthly payment None — flexes with sales
The Numbers.
Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.
Eligibility
What You'll Need.
An MCA is our most accessible product — strong daily card volume matters more than credit history.
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Business bank account in good standing
Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.
Why Operators Choose It
The Benefits.
Fastest Funding
Often funded the same day you're approved.
Payments Flex
Slow day? You remit less. It moves with your revenue.
Sales-Based Approval
Qualify on card volume, not just your credit score.
No Fixed Payment
No rigid monthly bill hanging over your cash flow.
Simple Process
Card statements do most of the talking — minimal paperwork.
Use It Anywhere
Inventory, repairs, marketing, payroll — no restrictions.
Questions
Merchant Cash Advance FAQ.
An MCA is a purchase of future receivables, not a loan. You repay through a percentage of daily card sales rather than fixed monthly installments, so payments rise and fall with your revenue.
An MCA is our fastest product — many businesses are funded the same day they're approved, sometimes within hours.
That's the advantage. Because you remit a percentage of sales, a slow week automatically means smaller payments. Your cash flow isn't squeezed by a fixed bill.
MCAs are our most accessible product. We weigh card-sales volume heavily, so businesses with scores starting at 500 are frequently approved.
Compare Options
Related Funding.
Line of Credit
Keep a revolving reserve on tap and pay interest only on what you draw.
Learn moreInvoice Factoring
Turn slow-paying invoices into same-day cash without new debt.
Learn moreCommon industries that use a merchant cash advance: Restaurants, Retail, Salons & Spas.
Funding That Moves With You.
Get an advance today and repay as you sell.